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Kikoff: The Fintech Powering Financial Security at Scale
Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. With record revenue growth in 2025 and a unicorn valuation, we've built a suite of products that help millions of people build credit, access liquidity, and save money.
We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially.
Why Kikoff:
This is a consumer fintech startup, and you will be working with serial entrepreneurs who have built strong consumer brands and innovative products. We value extreme ownership, clear communication, a strong sense of craftsmanship, and the desire to create lasting work and work relationships. Yes, you can build an exciting business AND have real-life real-customer impact.
Senior Financial Analyst
About the RoleWe are looking for a Senior Financial Analyst to join our rapidly growing, pre-IPO FP&A team. In this role, you will own the expense forecasting and departmental budgeting process across the entire organization. You will serve as a strategic finance partner to Execs and department budget owners – helping them plan headcount, manage vendor spend, and stay on top of their budgets while supporting the company's broader growth objectives.
The position will report into our FP&A Manager and will be located in our San Francisco office (in office 3 days/week).
What You Will Do- Own and manage the company-wide expense forecasting process, including headcount costs, vendor expenses, marketing spend, software fees, and cost of revenue components
- Partner directly with the Exec team and their budget owners to develop and maintain departmental budgets, track spend against plan, and surface risks and opportunities
- Lead the headcount planning process, working with People / HR and hiring managers to manage payroll budget and hiring timelines across all departments
- Collect and consolidate departmental budgets into the company-wide expense plan, ensuring alignment across teams and identifying gaps or inconsistencies in assumptions
- Perform monthly expense variance analysis and identify key drivers of variance
- Develop reporting and dashboards that give department leads real-time visibility into their budget utilization and key cost metrics
- Work on board decks, investor materials, and executive presentations
- You're as comfortable presenting budget updates to an executive as you are building a headcount model from scratch
- 3+ years of experience in FP&A or corporate finance, preferably at a high-growth late-stage or public technology company
- Demonstrated experience owning an expense budget process, including headcount planning and departmental cost management
- Strong financial modeling skills with the ability to build bottoms-up expense models and scenario analyses
- Expert-level Excel / Google Sheets skills; experience with FP&A planning tools (e.g., Adaptive Planning / Anaplan) preferred
- Strong communication and business partnering skills with the ability to build relationships across departments and keep budget owners on track
Equal Employment Opportunity Statement
Kikoff Inc. is an equal opportunity employer. We are committed to complying with all federal, state, and local laws providing equal employment opportunities and considers qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.
Please reference the following for more information.
Skills Required
- 3+ years of experience in FP&A or corporate finance
- Experience at a high-growth late-stage or public technology company
- Demonstrated experience owning expense budget processes
- Strong financial modeling skills
- Expert-level Excel / Google Sheets skills
- Experience with FP&A planning tools is preferred
Kikoff Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Kikoff and has not been reviewed or approved by Kikoff.
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Healthcare Strength — Employer-paid employee medical, dental, and vision premiums are highlighted across postings and benefits pages. This materially lowers out-of-pocket costs and signals strong core coverage.
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Wellbeing & Lifestyle Benefits — Daily meals, snacks, fitness benefits, and substantial commuter support are prominently offered. These perks can meaningfully enhance day-to-day experience, especially for in-office or hybrid roles.
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Retirement Support — A 401(k) with company matching is included in the package. The presence of matching adds long-term financial value even as specific formulas are not publicly detailed.
Kikoff Insights
What We Do
Kikoff is a personal finance platform that offers the simplest credit-building solution out there: $0 fees, 0% interest, and no credit pull. Your credit score is the foundation of your financial health – yet most people don’t have the credit score they deserve. That’s why Kikoff built the most accessible and affordable credit-building solution – it’s also the fastest growing and the top-rated credit building mobile app. Kikoff works whether you’re new to credit or looking for an extra boost. Building credit is just the start; Kikoff is building a personal finance platform designed to help consumers achieve financial wellness. Driven by the co-founders’ and team’s personal experiences, Kikoff’s mission is to provide refreshingly fair, effective, and simple pathways to meet your financial goals. Kikoff is a Series B company and has raised over $42 million in total funding. Investors include Portage Ventures, Lightspeed Venture Partners, GGV, Coatue, Core Innovation Capital, and basketball star Stephen Curry. Kikoff was founded in 2019 and is headquartered in San Francisco, California.
Why Work With Us
We are building an organization that maximizes growth and learning; we are invested in helping you grow and achieve what you want in your career. Our principles include a bias towards action, work in public, first principles thinking, intellectual honesty and extreme ownership.
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